Too many excess

i was having a full comprehensive insurance for polo vivo 2015 model and it was insured under Anderson insurance on the 18th March 2016 i was involved in accident. i have reported the accident to Anderson and they have towed the car two weeks later i was told that my car is a write off. it was covered on a retail value which is R13400.00 and out of that money Anderson only paid R94080.00 and R40320.00 i was told it was for excess. i was also given three options the 1st one was to pay R94080 to the bank as their settlement 2nd to refinance the car. 3rd to replace the car with the value of R94080.00. Anderson appointed their own dealer that can replace the for me the same dealer are now demanding me 10% of the retail value for them to get me another car.